Affordable Health Insurance
How to find Affordable Health Insurance
Nothing is more precious for us than having a sound health without any ailments, and in this age of soaring health care costs this is not possible without an affordable health insurance plan. Today people are aware of the significance of sound health in order to enjoy their life to the fullest. However, as the famous saying goes, ” there is nothing that is certain in this life”, we would always have surprises and uncertainties in our lives. We may get sick or even get involved in some accident.
In all such cases, any serious illness or disease can deplete lifelong savings and may even push us towards bankruptcy. With rising medical expenses, laboratory and doctor’s fees, everything is now complicated and expensive. It is in these circumstances that affordable health insurance can benefit us all. Although health insurance may cost you money, but no health insurance may cost you even more. Medical bills can burn holes in your savings and in case of diseases like cancer, treatment and doctor’s fees, diagnoses, and chemotherapy can ruin you financially.
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Affordable health insurance can help you pay for the expenses incurred on surgeries, regular medical check ups, glasses and contact lenses, and other emergency treatments. You can get two types of health insurance plans, the managed care plan and indemnity plan.
Managed Care Health insurance offers limited choice of doctors, laboratories, hospitals, and other medical services. Only the ones that have contracts with Health Maintenance Organization are covered. You will get only those medical services that are authorized by the plan. If you want to get treatment from non-authorized medical service provider than the cost will not be provided by the insurance company.
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The indemnity insurance plan is also referred to as fee for service plan. You get much wider flexibility and freedom in terms of choices of hospitals, doctors, laboratories and various other medical providers if that service is included in the contract. However, in this affordable health insurance plan, the insurance provider shoulders only 20 percent of the payment. This plan covers only accidents and illnesses and does not include birth control and flu shots. Aside from that, coverage of psychotherapy and prescription drugs depend upon the policy of the provider.
Due to the increased demand for much better and wider coverage, many companies providing affordable health insurance are now providing hybrid plans. These plans combine the benefits of indemnity coverage and HMOs. In this type of plan, you can use network of medical service providers having contracts with HMO, but you can use anybody from outside the network and pay higher fee. In managed care plans you can see any network medical specialist without any need for referrals from HMO.
You should do your homework when researching on affordable health insurance plans for you and your family. You should carefully evaluate your family needs and choose a best health insurance company that can provide those needs. In any case, lowest premiums do not guarantee you a cheapest plan. Actually, the affordable health insurance plan is the one that gives best benefits to you and your family in case of illnesses and medical emergencies.